ZIP 21531 Property Distress & Foreclosure Data

In Garrett County, Maryland, ZIP 21531 scores 11 of 100 for composite distress, a minimal level on DLRadar's public-record index. Structural exposure scores 27 and live distress 4 on the 0–100 scale. Its standout signals are construction/permit lag (29/100), structural risk (27/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (13/100). Environmental exposure also runs high (flood (NFIP) exposure (78/100)).

The peak-phase market in 21531 posted values that rose 3.0% over the year, and 54% higher over three years, at 44/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $180,300, an affordability ratio of 3.1× — accessible. DLRadar's demographic-stress index for the area reads 30/100. Owners hold 85% of homes, renters 15%. Educational attainment sits at 15% bachelor's-or-above. There are about 1,351 housing units across 21531. Vacancy runs 20.7%, above the national norm and a classic distress-and-opportunity signal. Median household income is $53,750, below the U.S. median near $78,000. Rent burden reaches 35% of tenant households. Population is roughly 2,346 with a median age of 49. 16.0% of residents fall below the poverty threshold.

On the whole, 21531 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.